API overview
With Cross River’s banking platform and robust API sets, you can build a personalized banking solution that aligns with your business objectives and customer needs. Our suite of services, including Bank Rails, Card Payments, Card Issuing and Digital Lending, provides a comprehensive set of tools for you to grow your business and manage risk. You can test our APIs using tools like cURL or Postman in our sandbox environment, allowing you to build a custom solution that fits your requirements.
Our webhooks provide real-time notifications to your system, eliminating the need for API polling to track account changes and updates. Each of our products comes with specific webhook events, allowing you to stay updated on any changes.
Explore our APIs
Bank rails | Accounts | Card payments | Card issuing | Digital lending |
ACH | Accounts | Card management | Card issuing | Create a loan |
Instant Payments | Checks | Transaction management |  | Add loan documents |
International Payments | Subledgers | Foreign exchange rates |  | Get loan details |
Wires |
| OFAC screening |  | Update a loan |
XPay |  |  |  | |
 |  |  |  | Cancel a loan |
 |  |  |  | Payment rails |